Senior Risk Analyst

At Tilt, we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. Named among the next billion-dollar startups, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

We are seeking a Senior Risk Operations Analyst to join our Risk Operations organization. This role focuses on analyzing fraud trends, investigating suspicious behavior, and supporting fraud controls through data-driven insights.

• Analyze fraud and risky user behavior to identify patterns, anomalies, and drivers of losses or customer friction.

• Conduct fraud investigations and deep dives into alerts, trends, spikes, and known fraud MOs.

• Support rule reviews, tuning, and policy changes by providing data and analysis.

• Assist with testing and pilots (e.g., rule changes, workflow updates, messaging changes) by tracking metrics and outcomes.

• Document findings and insights clearly so they can be actioned by senior analysts and operational teams.

• Collaborate across multiple lines of business to ensure insights translate into practical next steps.

• Stay informed on common fraud typologies and evolving tactics impacting the business.

• 4+ years of experience in fraud analysis, risk operations, or a related role.

• Working knowledge of fraud typologies such as payments fraud, ATO, abuse, social engineering, or identity fraud.

• Proficiency in SQL for querying data and validating trends.

• Experience using dashboards or reporting tools (Looker, Tableau, Power BI, or similar).

• Ability to interpret behavioral data and explain findings clearly.

• Strong attention to detail with a structured, analytical approach to problem-solving.

• Comfortable working in a fast-paced environment with evolving priorities.

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

• Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.

• Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.

• Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.

• Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly.

• Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)

• Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures.

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.